I'm new to credit and want to see my credit picture.

If this is the first time you're checking your FICO® score and credit report, congratulations! You are joining millions of consumers who have learned to make credit work for them with the help of myFICO.

Making sure your credit history is being reported correctly is the first step in managing your credit. The next step is learning how to make your credit history work for you by knowing your FICO® credit score – the score most lenders rely on. Once you know your FICO score, you'll know where you stand when the time comes to buy a home or car, apply for a credit card, or take out a student loan.

Interest rates accurate as of October 23, 2014.

For starters, try FICO® Standard!

FICO Standard provides you with an up-to-date credit report and FICO® score from Equifax or TransUnion, the FICO Score Simulator that predicts where your score is going, and an analysis of the positive and negative factors impacting your score. Knowing this information will help you better understand your credit situation.

"I used to pay for a service from another company which showed my score as good, but lower due to student loans. However, I found that the formula this other company used was not a true FICO score and was different from how lenders and other agencies actually saw me." — Caitlin, Sewell, NJ Read More

With FICO® Standard you get:

Your FICO® score from your choice of Equifax or TransUnion. You'll get a full explanation of your FICO score as well as factors causing your score to be what it is. FICO Standard also provides you with a view of how lenders see your specific FICO score when making lending decisions.

Your credit report from your choice of Equifax or TransUnion. Each credit report contains information on your credit accounts, a listing of those companies accessing your credit file and more. We'll also flag any accounts that are hurting your FICO® score.

The FICO® score simulator which analyzes your personal credit information and can help you understand the impact of any of your future actions such as paying off a credit card or opening a new account.

FICO Standard
$19.95 per report

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myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
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